FORM 8-K

                                 CURRENT REPORT
     Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934


Date of Report (Date of earliest event reported) August 9, 2005
                                                 -------------------------------

                                Tower Group, Inc.
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             (Exact name of registrant as specified in its charter)

           Delaware                    000-50990                 13-3894120
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(State or other jurisdiction or     Commission File            (IRS Employer
        incorporation)                  Number:              Identification No.)

  120 Broadway, 14th Floor, New York, NY                      10271
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 (Address of principal executive offices)                   (Zip Code)

Registrant's telephone number, including area code (212) 655-2000
                                                   -----------------------------

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         (Former name or former address, if changed since last report.)


Check  the  appropriate  box  below  if the  Form  8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

|_|  Written  communications  pursuant to Rule 425 under the  Securities Act (17
     CFR 230.425)

|_|  Soliciting  material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
     240.14a-12)

|_|  Pre-commencement   communications  pursuant  to  Rule  14d-2(b)  under  the
     Exchange Act (17 CFR 240.14d-2(b))

|_|  Pre-commencement   communications  pursuant  to  Rule  13e-4(c)  under  the
     Exchange Act (17 CFR 240.133-4(c))





Item 2.02.    RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

The  following  information  , including  the Exhibit to this Form 8-K, is being
furnished pursuant to Item 2.02 - Results of Operations and Financial  Condition
on Form 8-K.

On August 9, 2005  Tower  Group,  Inc.  issued a press  release  announcing  its
results of operations  for the second quarter ended June 30, 2005. A copy of the
press  release is attached as Exhibit 99.1 to this Form 8-K and is  incorporated
by reference to this Item 2.02 as if fully set forth herein.

Item 9.01     FINANCIAL STATEMENTS AND EXHIBITS.

              The following exhibits are filed as part of this report.

Number                         Description
- ------------------------------------------

99.1     Copy of press release issued by Tower Group, Inc. dated August 9, 2005.


This  information  is not deemed to be "filed" for the purposes of Section 18 of
the Securities  Exchange Act of 1934 and is not  incorporated  by reference into
any Securities Act registration statements.





                                   SIGNATURES


     Pursuant to the  requirements  of the Securities  Exchange Act of 1934, the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned hereunto duly authorized.


                                                        Tower Group, Inc.
                                              ----------------------------------
                                                          (Registrant)

Date  August 9, 2005
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                                              /s/ Steven G. Fauth
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                                                             (Signature)
                                              Steven G. Fauth
                                              SVP, Secretary and General Counsel